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As credit score is an important factor in determining your loan eligibility, you need to maintain a good score. There are three types of individuals: (i) those who have a good credit score (ii) poor credit score and (iii) no credit score.
If you have a good credit score, the easiest way to increase your score is to have a mixture of all credits, i.e. both secured and unsecured credits. Using a credit card diligently will get you a stellar credit score. You must pay your loan and credit card bills on time and check for any errors on your credit report.
Individuals who have low credit score should analyse as to what impacts their credit score negatively. It could be due to a default on a loan or any other negative issues. You must clear the outstanding dues to the lenders so that they won’t affect your credit score negatively. Further, by being consistent on repayments, you can improve your credit score easily.
For individuals who have no credit score, it could be hard to get their hands on their first credit. However, there are plenty of avenues where you can get credit and start building your credit score. Be regular in repayment which constitute the major weightage on credit score calculation.
Maintaining a low credit utilisation ratio on your credit score is very important as it can help you improve your credit score quickly. Try to keep the ratio below 30%. If the lender approves higher credit limit on your card, just accept it so that the utilisation ratio will be lower.
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